About

At Payne & Garlow, Insurance is more than just money, it's personal. Payne & Garlow has a reputation for being "problem solvers" for you in Kanawha, Putnam and Cabell Counties; Payne & Garlow Insurance knows the West Virginia Insurance industry!

We are real people that work and live in your community. Payne & Garlow Insurance is not just an "800" number. We are a personal voice at the end of your phone call. We are in business to create solutions to any insurance need or questions that you may have. If you talk to an "800" number, how do you know you are getting the correct coverage? Who will you get to help you with a question or a claim? At Payne & Garlow Insurance, we are committed to making sure our clients are protected every day.

There is a reason our clients continue to trust Payne & Garlow Insurance. We treat every customer as if they are family. We strive to deliver the best customer service in the state of West Virginia. Don't let your insurance lapse; we can come up with a creative solution to help you. Give us a chance to help you with your insurance needs. We treat every insurance need as our own and continue to strive to deliver solutions that are secure and economical to you. We are here for you and want to provide a premium service for less.

Payne & Garlow Insurance is a member of the Garlow Insurance Group. Together we represent over 35 insurance solutions from companies such as Erie, BrickStreet, Safeco, Encompass, Travelers, Highmark Blue Cross Blue Shield, Progressive, The Hartford, Coventry, Farmers & Mechanics, and GuideOne Insurance.

Payne & Garlow services clients throughout the Kanawha Valley, including Charleston, Huntington, Teays Valley, Scott Depot, St. Albans, Nitro, Poca, and Buffalo. Although we focus on the Kanawha, Putnam, and Cabell County area, we have customers from Boone, Raleigh, Lincoln, and Wayne Counties.

Payne & Garlow is not just an Independent Insurance Agency, but we are an Insurance Advisor. When you need help reviewing your policy or filing a claim, the Payne & Garlow Insurance Agency will be there.

As we all know the importance of security now days, your personal security is a high priority to us. Therefore please know that coverage cannot be bound, cancelled, or changed without speaking to a licensed agent at Payne & Garlow Insurance Agency, Inc. Thanks for your understanding.